State credit union · JACKSON, Michigan · NCUA charter #62143
South Central
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $84.8M
- Total assets
- 6,802
- Members
- 14.3%
- Net-worth ratio
South Central scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.8M; members 6,802; net-worth ratio 14.29%; health rank #2,248 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,248 of 4,374 health · 2025Q4South Central · health 83/100 · $84.8M · 2025Q4
Call Report peers
South Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Central sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for South Central
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.67 pp (14.29% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.35 pp (55.25% vs 62.60%).
South Central in Michigan
- Health composite ranks #112 of 171 among scored Michigan credit unions.
- By total assets, South Central is #116 of 171 in Michigan.
- Member book place in Michigan: #113 of 171.
- One place up in Michigan, Detour Drummond Community (#111) ties at 83/100; one place down, PARDA (#113) ties at 83/100.
South Central: 2025Q4 → 2026Q1
South Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $84.8M (2025Q4) to $84.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (14.23% → 14.29%).
At 14.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
South Central gives up 17 points in total. Member Growth costs the most, 13.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.29% | +0.67 pp |
| Delinquency Rate | 0.40% | -0.56 pp |
| Return on Assets | 0.71% | +0.05 pp |
| Member Growth | -4.39% | - |
| Loan-to-Share Ratio | 55.25% | -7.35 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
South Central filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.9M | - |
| 2025Q4 | $84.8M | 6,802 |
| 2024Q4 | $83.6M | 7,114 |
| 2023Q4 | $84.2M | 7,324 |
Credit Union Details
- Charter Number
- 62143
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (2)
South Central operates 2 offices in Jackson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| South Central Credit Union (Main Office) | Jackson, MI |
| South St. Branch | Jackson, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near South Central
Using this data
- South Central ranks #2,248 of 4,374 nationally on financial health and #112 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wexford Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wexford Community
Frequently Asked Questions
Is South Central financially healthy?
On its 2025Q4 NCUA 5300 filing, South Central scores 83/100 (Excellent), with a 14.29% net worth ratio and 0.40% of loans delinquent. It ranks #2,248 of 4,374 nationally on health and #112 of 171 in Michigan.
How does South Central compare to other credit unions?
South Central scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.29% vs 13.62%). Its widest shortfall is loan-to-share ratio (55.25% vs 62.60%).
How can I join South Central?
Membership eligibility for South Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact South Central directly for current membership requirements and application steps.
Is my money safe at South Central?
South Central is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. South Central's net worth ratio of 14.29% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.